Tag Archives: water damage

General Safety Issues

FIVE THINGS YOUR HOME INSURANCE WON’T COVER (GUEST POST)

5 Things Your Home Insurance Won’t Cover

Most homeowners get lulled into a false sense of security after they purchase an insurance policy on their property investment. Unfortunately, your homeowner’s policy does not cover everything that could happen to your home. In fact, most people would be shocked to discover all of the potential issues that are specifically excluded from the average policy. Your best recourse is to make sure that you fully understand what your insurance will cover, and you should also find out if you are able to add optional coverage to protect you from specific high risk issues.

Fortunately, everything that is listed below will usually be covered if you buy an additional home emergency assistance policy. 

Five Things Your Home Insurance Will Not Cover 

1. Plumbing Issues – The standard homeowner’s policy will not provide any coverage for plumbing issues, so if you are looking to purchase your policy through a comparison site such as Monkey.co.uk, you need to check the policy wording first to understand just what you are covered for. If you are not covered and you have a massive backup or leak from any aspect of your home’s plumbing, you could be left with all of the expenses unless you have an emergency assistance policy. 

2. Pest Infestation – When most people think of pests in their home, they only consider the possibility of being temporarily inconvenienced while a pest management company performs the eradication process. However, there are some pests that pose a much greater risk to your home. For example, woodworm can cause extensive damage to your home’s woodwork, and even bees can end up costing you thousands if they set up residence inside your walls. 

3. Internal Water – If a flood causes your home to become filled with water, most insurance companies are not going to assist you. Unfortunately, whether the flooding is caused by an outside source or a massive plumbing issue, the internal water clause that is in most policies will allow your provider to deny your claim. Again, this is a good reason to consider buying a home emergency assistance policy in addition to your standard homeowner’s policy.

4. Damage Caused by a Radiator – Many policies will not offer coverage for damage that is caused by a radiator or other heating source. In other words, if one of these items starts a fire or causes any other type of damage to your property, you are unlikely to receive any financial assistance without a special policy.

5. Electrical Damage – The electrical system in any home could become fried due to a faulty appliance, bad wiring or even a thunderstorm. This issue is especially prevalent for homeowners who live in a building that was built more than a couple of decades ago. Sadly, without the proper additional coverage, most people could lose everything if an electrical issue causes the entire house to burn down. 

The best way to make sure that you receive the coverage that you need is to carefully read through the entire homeowner’s policy before you sign it. If there is something specific missing, you need to discuss whether or not it can be added before you move forward. Being proactive by adding on additional coverage options or a home emergency assistance policy is the best way to protect your investment. 

Georgina Clatworthy is a freelance writer and homeowner who understands the importance of ensuring comprehensive coverage when it comes to home insurance.  Insurance comparison websites such as Monkey.co.uk, provide a good way to search a wide number of providers and review the additional coverage options available.  

Georgina, thank you for this excellent information.  Understand your coverage.  Better to be safe than sorry! pb

 

First Aid Safety, General Safety Issues, Home Safety Products

MODERN HOME SECURITY SYSTEMS – A HOMEOWNERS’ NEW BEST FRIEND? (GUEST POST)

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 Long gone are the days when homeowners simply purchase a “burglar alarm”. With current technology, home security systems are now the product of choice as they offer a full range of protection against much more than just home break-ins.

Fire and Smoke– From cooking mishaps to unattended candles, there are many potential fire sources in your home. Between 2006 and 2010 alone, The National Fire Protection Agency reported that one in every 310 homes experienced a fire. While standard smoke alarms offer some protection, you never know when a battery can die and leave you unprotected. When looking for a home security system, look for one that offers fire and smoke detection which can make your home much safer against the threat of fire and smoke damage.

Carbon Monoxide– Often referred to as the “silent killer”, carbon monoxide is an odorless and colorless gas that can cause severe health problems and death when humans are exposed to it in high quantities. It is often emitted by home furnaces and other appliances. Many modern home security systems contain carbon monoxide detectors that can alert homeowners immediately if the gas is found present in the air.

Water Damage– The National Flood Insurance Program’s website tells that even just 3 inches of flood water in a 2,000 square foot home can cause close to $39,000 in damage. A comprehensive home security system may include water sensors that detect when water (from a flood or burst pipe) has entered the home. As any flood victim knows from experience, the longer flood water is in a home the greater the threat of dangerous mold to grow. Tending to the issue immediately can often save homeowners thousands of dollars in additional damage.

Medical Emergencies– Slip and fall injuries are some of the most common household injuries to be sustained, but they are certainly not the only ones. If you are a senior citizen or if you have a senior citizen living in your home, it is often a good idea to have a security alarm that includes a medical emergency response system. Typically this equates to the homeowners just having to push one button on their security system panel to alert the police and an ambulance that a response is needed at your address.

Power Outages– When you are home you are likely to know about a power outage right away. However, if you are away from home (especially for an extended period of time) you may not realize that the power to your home has been lost. Since the power in your home is needed to operate your refrigerator and freezer, as well as security lighting, it is important to never lose power even while you are not at home. Many newer home security systems can run on battery back-up in the event of a power loss and notify the homeowner immediately upon loss of power.

This article was contributed by C. Wiley of the SecurityChoice.com Blog.

Other types of home security include having flashlights handy in case of blackouts, as well as first aid kits, in case of minor accidents.  pb

 

 

General Safety Issues

HOW TO DO A BASIC SAFETY INSPECTION WHEN LOOKING AT A HOME (GUEST POST)

By Alan Brady.

When looking to buy a house,  you’ll always need to hire a professional inspector in order to obtain a mortgage. When you’re first out looking for a house to buy you’ll want to be aware of a few of the most important safety concerns that a house might have, and how you can find them, so that you don’t waste your time on a house that the inspector will later warn you away from anyway. Here are the most important things to check.

Outside

Before you enter the house, go and take a walk around the outside. Take note of any large trees that are close to the house. Massive root systems can lift up the ground under the foundation of the house and destabilize it. Additionally trees with large branches hanging over the house pose a risk. As the tree ages branches will grow larger and eventually die off, which can result in one falling onto and breaking through your roof. Also examine the exterior walls for any obvious cracks or mold.

Crawlspace

The crawlspace is a good litmus test for the general health of the house. Always ask to see it and bring a flashlight with you. You don’t need to crawl down there necessarily, just poke your head down and shine the light everywhere that you can see. Inhale and smell the air for anything strange. Everything should look dry and relatively unremarkable.

Living Room

If the floor is not carpeted it should be relatively easy to spot any warping or in the floor. Discoloration in on the walls, carpet, or ceiling, or bubbling and peeling paint mean that there is moisture in your walls and floor. This can mean mold, which is extremely hazardous, and even deadly to the young, old, and sickly. What it definitely means is that there is water damage to the home, probably meaning rotted wood, and eventual loss of structural integrity in the home, which is dangerous as well as extremely expensive to fix.

Kitchen and Laundry Rooms

Open all of the cupboards and check them for mold or strange smells. Turn on the water and give it a taste test to see if there is anything obviously wrong with it. Open the cabinet underneath the sink and check to make sure none of the pipes are leaking and that everything looks to be in good order.

Bathroom

Bathrooms are especially prone to molding and water damage. Turn on the water to make sure that everything drains properly. Turn on the fan to ensure that it works and moves a sufficient amount of air. Closely examine the toilet, the sink, the piping underneath the sink, and every nook, cranny, and corner that you can find.

General

An important rule of thumb is to go by your nose. Many of the problems that a house can have are related to decomposition, mold, or pests, all of which smell fairly unpleasant. Another thing to keep in mind is to open and close all of the doors that you come across. If any of them don’t open or close properly a part of the house may have shifted and the ground that it’s sitting on might be slowly moving.

Alan Brady is a real estate and financial enthusiast who loves to blog about personal finance, renting, home ownership and responsible practices for mortgage lawyers for attorneys.com.

 

Eye Protection, General Safety Issues, Hand Protection, Protective Clothing, Respiratory Safety

WHEN FLOODS ATTACK (GUEST POST)

Sent to us by Rebecca Wilcox

Flooding can cause enormous issues with your home in more ways than one. Sure, there is the initial damage and inconvenience that can come from heavy flooding. This is the damage that most people tend to associate with flooding, though it is honestly one of the least damaging aspects of a flood. 

The most damage from a flood generally comes from the long-term effects of what standing water can do to a structure. This damage is often not readily apparent when the flooding starts to subside, but instead causes unseen damage over long periods of time. In the end, things like mold, wood rot, and mildew can have a worse impact on your home than the flood itself.

To help protect against long-term damage like this, it’s important to do everything you can to keep water from getting into your basement or any other part of your home. This can be accomplished in a number of different ways, but the steps you’ll need to take will vary depending on whether or not you have a basement. Basements add another layer of difficulty to the mix because they are often very difficult to seal against flooding. If you do have a basement, the best thing you can do is work with a contractor to seal it. This will likely be a fairly expensive job.

The other aspect of keeping your home free of flood damage is to have measures on hand that you can use to get rid of water once the flooding starts. If your preparations fail or are overwhelmed, you may be stuck pumping water out of your home yourself. If this happens, you should have a strong pump on hand to get the water out of your house. Tough, durable pumps like Tsurumi pumps are a great, affordable option for this. You want to make sure that your pump is affordable, but not cheap. After all, what good is a cheap pump that ends up costing you thousands in flood damage after it breaks down at a critical moment.

Floods can be absolutely catastrophic if you aren’t prepared for them. Even when you are prepared, there will always be at least a little damage resulting from a major flooding event. Despite this, it is very possible to mitigate the damage done by flooding when you take the time to prepare and equip yourself with the right kind of gear.

As Rebecca advises, be prepared to protect yourself with the right kind of personal protective gear.  From gloves, goggles, waterproof clothing, to rubber boots, your body must not be in contact with contamination from flood waters, mold and mildew.  Some types of destruction require professionals to assist with the clean-up.  Use caution when working in this type of environment. Pat